Bethlehem 1st

Bethlehem, PA · 1 · Charter #716 · www.beth1st.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$72.5M
23th percentile
Members
4,278
16th percentile
Total loans
$25.3M
9th percentile
Total shares
$63.7M
27th percentile

Profitability

Return on assets
1.07%
52th percentile
Net interest margin
3.38%
34th percentile
Efficiency ratio
53.50%
76th percentile
Non-interest income ratio
2.90%
2th percentile

Capital & Risk

Net worth ratio
12.27%
51th percentile
Delinquency rate
0.55%
61th percentile
Net charge-off rate
0.51%
32th percentile
Loan-to-share
39.76%
8th percentile

Growth

Member growth YoY
-3.71%
19th percentile
Asset growth YoY
6.89%
75th percentile
Loan growth YoY
13.67%
93th percentile
Share growth YoY
4.13%
57th percentile

Operations

Members / branch
4,278
74th percentile
Assets / member
$16,946
70th percentile
Field of membership penetration
24.45%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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